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AI Earnings Analysis
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue | $619.35M | $503.12M | +23.10% |
Cost of Revenue | $609M | $461.63M | +31.92% |
Net Income | $481.32M | $498.67M | -3.48% |
EPS (Basic) | $0.42 | $0.46 | -8.70% |
EPS (Diluted) | $0.39 | $0.39 | 0.00% |
R&D Expense | $648.33M | $551.79M | +17.50% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Total Assets | $50.66B | $36.25B | +39.75% |
Total Liabilities | $40.17B | $29.73B | +35.14% |
Cash & Equivalents | $4.93B | $2.54B | +94.20% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Cash Flow | $-3.74B | $-1.12B | -234.21% |
Investing Cash Flow | $-6.72B | $-4.82B | -39.37% |
Financing Cash Flow | $13.11B | $5.03B | +160.39% |
D&A | $234.15M | $203.5M | +15.06% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Net Margin | 77.7% | — | — |
ROA | 1.0% | — | — |
SOFI experienced significant revenue growth but faced challenges with increasing costs and declining net income in 2025.
SOFI's revenue increased by 23.1% year-over-year, driven by strong performance across its product lines.
Source: Source: 10-K Income Statement
The cost of revenue rose by 31.9%, outpacing revenue growth and impacting profitability.
Source: Source: 10-K Income Statement
R&D expenses grew by 17.5%, indicating a focus on innovation and product development.
Source: Source: 10-K Income Statement
SOFI reported a significant increase in negative operating cash flow, which could impact liquidity if not addressed.
Source: Source: 10-K Cash Flow Statement
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